Credit Risk Expert -Direct Lending

What you'll do

• Responsible for end-to-end credit risk strategies for direct lending products in different local markets, including underwriting frameworks, credit policy, loan size, risk-based pricing, and tenure eligibility.
• Perform credit assessments and review borrower financials, bank statements, and available data sources to evaluate cash flow, leverage, and repayment capacity.
• Use multiple data sources to support credit decision-making and risk assessment.
• Monitor portfolio performance, including repayment behavior, delinquency trends, roll rates, and portfolio risk indicators, and recommend risk mitigation or policy adjustments when necessary.
• Develop and track key risk indicators and early warning signals to identify emerging risks and portfolio trends.
• Conduct portfolio risk and profitability analysis to support credit policy refinement, product optimization, and risk-return management.
• Work with data science, product, business, and operations teams to improve credit scoring models, underwriting rules, and decision processes.
• Provide credit risk insights, portfolio analysis, and recommendations to senior management and relevant stakeholders.
• Ensure credit policies and risk processes comply with local regulatory requirements.

Requirements

• Bachelor’s and above degree in Finance, Economics, Mathematics, Statistics, Data Science, Business Analytics, or related fields.
• At least 2 years of experience in Credit Risk, Direct Lending, Digital Lending, SME Lending, or Consumer Lending.
• Experience in credit underwriting, credit policy, portfolio risk monitoring, or risk analytics.
• Knowledge of financial statement analysis, cash flow analysis, and bank statement review.
• Experience in portfolio monitoring such as delinquency, roll rate, or vintage analysis is a plus.
• Proficiency in Excel is required; SQL or Python is a plus.
• Strong analytical and problem-solving skills.
• Good communication skills and ability to work with cross-functional teams.
• Experience in fintech, banking, or lending businesses in SEA regional markets is highly preferred.